WorkCover in Victoria: a straightforward guide for retailers

WorkCover insurance is compulsory for any Victorian employer who pays more than $7,500 in annual wages, or who employs an apprentice or trainee. If that's you, you're required to register with WorkSafe Victoria and pay an annual premium.

WorkCover provides no-fault insurance cover for workers who are injured or become ill because of their work. It covers medical expenses, weekly payments if a worker can't work, and lump-sum payments for permanent impairment.

Your premium is calculated based on your industry, your total wages, and your claims history. Businesses with a strong safety record and no claims typically pay lower premiums - which is one of the practical reasons to invest in WHS compliance.

If a worker is injured, you have specific obligations. You must report the injury, provide access to a nominated treating doctor, and develop a return-to-work plan. Failing to meet these obligations can result in penalties and increased premiums.

Many small retail businesses find WorkCover confusing - particularly around premium calculations and return-to-work requirements. If you're unsure about your obligations or want to review your current cover, we can help you work through it.